The Kabbage (American Express Business Line) Small Business is a business line of credit from Kabbage (American Express Business Line). Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 2-9% monthly fee. Approval typically requires a credit score of 640 or higher. Typical credit limit: $2,000 - $250,000. This product reports activity to your personal credit report. Application rules: Recon: (800) 567-1083. Now owned by American Express. Quick approval based on cash flow. Connects to bank accounts and accounting software for automated underwriting. 6, 12, or 18-month terms.